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The ESOP Podcast Summer School – Session 1: Improving the Bottom Line
It's summertime! Time to put those extra after-work daylight hours to good use. Get out for a long bike ride, take a stroll in the park, or just sit on the porch with your feet up. If you are looking for some good company during your summer activities, we have a great suggestion; join us for "The ESOP Podcast Summer School" now in session! We've curated a special summer series of podcasts from recent conferences designed to let you sit back, relax, and get up-to-date on all things ESOP. (Check out all the "lessons" here.)
First up: "Improving the Bottom Line: A Technical Look at Culture & Value" (Episode 30, originally broadcast on April 24th, 2018). This presentation was given at the National Center for Employee Ownership (NCEO) 2018 Annual Conference – a.k.a. #NCEO18 – in Atlanta, Georgia on April 18th , 2018. The presenters are Ed Wilusz ASA, CFA, Managing Director of Value Management, Inc, Matt Hancock of Praxis Consulting Group, and our own Bret Keisling of Capital Trustees.
Click below to download the accompanying "Improving the Bottom Line" slide show presentation:
DISCLAIMER: The opinions expressed in this presentation and the presentation materials are not intended to be used as legal advice. Please consult with counsel as necessary.
More about Ed Wilusz and Value Managment, Inc.
[Photo Credit: Value Managment, Inc. ]
"Ed Wilusz has been actively engaged in the appraisal profession since 1980. He has qualified as a business valuation expert witness and provided testimony in the following states: Pennsylvania, New Jersey, New York and Ohio. He is a Senior Member – Business Valuation in the American Society of Appraisers; a Chartered Financial Analyst (CFA); a past member of the ESOP Association's Valuation Advisory Committee and Past Chairman of Sub-Committee to update Valuing ESOP Shares; Past-Director and Past-President of Bucks County Estate Planning Council; and Past-President of the Philadelphia Chapter of American Society of Appraisers. Ed is past chairman of Pearl S. Buck International and Director of the Bucks County College Foundation Board." [Source: Value Managment, Inc. , Our Team]
For over 25 years, Value Management Inc. has acted as a financial advisor to both newly-formed and existing Employee Stock Ownership Plans ("ESOP"s) to assist the ESOP in transactions to acquire stock of the sponsor company. With over 125 years of combined valuation experience, Value Management Inc.'s team has prepared fairness opinions for dozens of ESOP transactions involving large, medium and small-sized companies. Value Management Inc.'s role is to provide the ESOP with an independent determination of the value of the stock that the ESOP is acquiring to ensure that the ESOP does not pay more than adequate consideration as defined in ERISA. It is Value Management Inc.'s consistent objectivity and independence that gives us our reputation for integrity. Our experienced analysts work closely with the ESOP attorneys and trustees throughout the transaction process. Our goal is to make the ESOP transaction process as smooth and transparent as possible.
[Source: Value Managment, About Us]
You can hear our in-depth interview with Ed Wilusz in Episode 4 of the ESOP Podcast.
More about Matt Hancock and Praxis Consulting Group
Matt Hancock [Source: Praxis, Our People]
"Matt Hancock is a Consultant at Praxis, where he assists clients in developing and implementing high-engagement workforce strategies. Matt brings 12 years of domestic and global experience in education, employee ownership and change management to the team. His key competencies include leadership development, building high performance ownership cultures, process improvement, vision, strategy and governance.
Before joining Praxis, Matt served as co-founder and Executive Director of Chicago Tech Academy (ChiTech), Chicago's first tech-focused high school serving low-income, inner-city students. Under Matt's leadership, ChiTech achieved some of the city's strongest test score improvements by building an organizational culture of collaboration, participation and employee empowerment.
Prior to co-founding ChiTech, Matt was the Associate Director of the Center for Labor and Community Research (CLCR) in Chicago, where he served as a trusted liaison to constituencies in manufacturing, labor, and government.
Before joining CLCR Matt lived, worked and studied in Bologna, Italy. As a consultant with Istituto per il Lavoro (Institute for Labor), Matt collaborated with major European institutes, manufacturers and labor unions on research into participatory forms of work organization, process improvement and supply-chain management.
Matt is also a recognized expert on the Italian cooperative movement, and an accomplished public speaker, writer, and thought leader. He is the author of Compete to Cooperate, a book about the cooperatives of Imola, Italy–one of the most successful, and enduring, experiences in employee ownership in history.
Matt is a past Board member of several non- and for-profit organizations including, most recently, the Freelancers Insurance Company, a for-profit insurer committed to providing affordable, effective health insurance to freelance and contingent workers in New York.
Matt earned an MBA in Cooperative Economics from the University of Bologna (Italy), where he studied governance, finance and strategy in the region's top employee-owned firms, and a BA in history from Skidmore College."
You can hear our in-depth interview with Matt Hancock in Episode 2 of the ESOP Podcast.
More about Bret Keisling, Capital Trustees, LLC
And, of course, you can learn more about our own Managing Director, Bret Keisling, on our about page, or listen to ESOP Podcast Episode 1: Introduction.
- On Soundcloud here.
- On iTunes here.
- On Google Play here.
- Or follow us on Twitter or Facebook to see when the latest episode is released each #TrusteeTuesday.
We Want to Hear from YOU
Do you have feedback about this or any other episode of The ESOP Podcast? Do you have a topic that you would like for us to discuss on the show? Would you like to appear on the podcast as a featured guest or a panelist in a group presentation? Then we want to hear from you! Send us an email at firstname.lastname@example.com.


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The EIA's EAGLE (Exemplary Achievement in Government Leadership and Enrichment) Awards Program recognizes members for excellence in risk management. By recognizing professional contributions and achievements, the EIA promotes an atmosphere to encourage members to strive for excellence and innovation.
The EIA EAGLE Award Program has three (3) primary purposes:
The EIA EAGLE Award Program was created to recognize an EIA member or its affiliated agency for the development, management, and/or implementation of an innovative idea, approach, or program that enhances the goals and purposes of risk management within the public sector.
Other categories may be developed in the future, and could include recognition for individuals. Recognition can be granted for effort or results.
The EIA has established a five-member EAGLE Awards Committee consisting of the President and a member representing each membership type (county, city, special district, educational). Appointments to the EAGLE Awards Committee are made by the Executive Committee and, other than the President who will have a one-year term, representatives serve two-year terms. The representatives have a background or experience in Risk Management.
Candidates will submit an application for recognition. All applications will be evaluated by the EAGLE Awards Committee. The EAGLE Awards Committee members are not eligible to recommend or suggest any individual or agency for recognition while they are serving on the Committee. The EIA's Risk Assessment Tool may also be used to determine candidates for recognition.
Applications for awards will be accepted from November 1 through May 1. The Awards Committee will convene thereafter to review the applications and make selections. Additional meetings may be necessary to finalize the determination for recognition.
EAGLE Awards Application Information
The EIA will attempt to recognize at least one member per year in each category, however, it is not required that recognition be given in every category every year. At the Committee's discretion, they may determine that multiple members should be recognized in a particular category. It is anticipated that awards be announced and presented at the EIA's October Board meeting. A presentation to the member's governing board will be scheduled as soon as practical thereafter.

subset: commoncrawl


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Latest news and Developments
November 2015:Mechanical Thrombectomy
Currently in the UK and I am sure Worldwide, delivering Mechanical thrombectomy is the current focus of attention and the challenge is to deliver robust clinical pathways to allow it to be offered to stroke patients quickly and safely. Here is an interesting paper from 2012 and here is Consensus statement from the European Stroke Organisation. It will be interesting times ahead. Here is an interesting read the PISTE or Pragmatic Ischaemic Stroke Thrombectomy Evaluation study run by Keith Muir. For those not aware of the typical selection criteria it will be those age >18 years with NIHSS ≥ 6 and No Major Contraindication and Eligible for IV rtPA who will be given standard IV rtPA 0.9mg/kg and then either MRA/CTA/DSA looking for ICA-T, MCA M1 or M2 occlusion and then randomized to receive completion of alteplase or Additional mechanical thrombectomy IA Device selected as per Neurointerventionalist. Assessment will be early major neurological improvement as per NIHSS and mRS at 3m.
I know large teaching centres are getting on with their plans and are at varying stages. It is going to be a significant amount of additional work for a tertiary centre in a time when there is no money to go around. Do we need to go down the route of the cardiology PCI model. Should I be asking my cardiology colleagues to go north.


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What's a trip to Long Beach, California without stopping by the beautiful, South-of-France reminiscent yacht ports to snap some photos?
Elle, one of my favourite magazines in the world has opened up Elle Boutique, and I'm over the moon about sharing the news with you guys! They currently have three categories: handbags and luggage (only available in Canada at the moment) , jewelry and eyewear.
You know the travel bug is coming out again when you start dressing like you're in a different culture. Ah, maybe I'll just hang out at LAX tonight and live vicariously through other travellers.


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5d Mark IV 1.0.4 out!
https://www.usa.canon.com …subtab=downloads-firmware
Changes in the Firmware
Firmware Version 1.0.4 incorporates the following fixes and improvements:
1. Fixes a phenomenon in which a red-colored area may appear at the bottom-center of a captured image when shooting in bulb mode or during a long exposure.
2. Fixes a phenomenon in which the autofocus may not respond when the autofocus is initiated via pressing the shutter button, the AF-ON button or the AE lock button when configured in the custom control menu.
3. Enhances the reliability of communications between the camera and SD card.
4. Fixes incorrect wording on the Finnish language menu screen.
Firmware Version 1.0.4 is for cameras with firmware Version 1.0.3 or earlier. If your camera's firmware is already Version 1.0.4, it is not necessary to update the firmware.
When updating the firmware of your camera, please review the instructions thoroughly before you update the firmware.
The firmware update takes approximately 4 minutes.


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About Us
CatchSkills.com is dedicated to serving the employment needs of the Middle East region.
Our mission and goal is to be the most comprehensive resource and most widely-used option for job seekers to find -- and employers to advertise -- full-time, part-time, and freelance opportunities available in arabian gulf area.
5 good reasons that speak for us
- No cost and / or obligations
- No time-consuming, complicated registration
- Clearly and simply designed website
- Independently apply online, or advertise
- No need to come back to us, CVs will reach you.


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Slay Ride
He Knows Where You LiveBook - 2006
From the critics
Community Activity
CommentAdd a Comment
My first seasonal read of the year was quite the zinger. Slay Ride by Chris Grabenstein is a fast paced, action packed thriller that is wrapped up in a Christmas theme. Lots of mayhem and murder interspersed with Christmas cookies, music and school concerts.
Starting two weeks before Christmas, the story revolves around Christopher Miller, a F.B.I. agent who gets involved with the Russian mafia while trying to solve a kidnapping. With a psychotic villain as evil as they come, he has his work cut out for him. Eventually the evil is brought too close to home and Miller's family is threatened.
This story takes off the minute you open the book, the plot is a little contrived, but fairly well-crafted. There is both graphic violence and language, but if you are looking for high powered thriller, this book pushes all the buttons.
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This plate offers squid cut into long strips, snails, bamboo clams and dried oysters.
Here is fish and meat paste made into balls, and Chinese mushrooms. There is also white pomfret (diamond-shaped fish) and prawns. The side dishes include honey chicken wings. We eat everything with chopsticks including the chicken wings. I know Colonel Sanders from Kentucky Fried Chicken says chicken is "finger-linkin' good" but why get our fingers dirty. It is a skill eating chicken wings with chopsticks but we start our chopsticks training with noodles very early - at around 2 years old .


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Join Terri Wagner for an in-depth discussion in this video Managing your triple constraint, part of Project Management: Preventing Scope Creep (2013).
…The challenge of every project is to deliver…what was requested on time, and within budget.…Each project will have its own unique set of competing demands.…The classic competing demands are often referred to as the triple constraints.…These triple constraints describe the interdependency…between the three cornerstones of a project.…First, your scope of work, which includes all the work…you have to do in order to create what the customer…has requested.…Next, your schedule, the time you need to create the output.…
Third, your budget, the total amount of money…you need in order to create the end result.…These 3 elements work in tandem with one another.…When one element is reduced or expanded, at least one…of the other two elements will then need to adjust.…One of your first tasks as a project manager of a brand new project…is to prioritize the triple constraints to make certain everyone is in alignment.…A conversation with your sponsor or client will help sort…out which is the most important demand on your project.…
Lynda.com is a PMI Registered Education Provider. This course qualifies for professional development units (PDUs). To view the activity and PDU details for this course, click here.
The PMI Registered Education Provider logo is a registered mark of the Project Management Institute, Inc.
- What is scope creep?
- Why does scope change?
- Factoring in organizational maturity
- Setting scope and requirements
- Building a budget
- Resetting unrealistic expectations
- Resolving communication issues with stakeholders

- The PMI Registered Education Provider logo is a registered mark of the Project Management Institute, Inc.


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Well, as I am sure many of your are probably aware, the media has stopped harping about Mel Gibson, or at least slowed down for a small while. Of course, that also means that the media has found something else to dig their nails into. Now, they have jumped on the celebrity bashing bandwagon with "Friends" star Jennifer Aniston.
Apparently while on Regis and Kelly, she used the "R-word". Now, for those of you not in the know "R-word" means Retard. Apparently it's very politically incorrect, and really shouldn't be used. So, because she referred to herself as a retard, everyone just feels the need to jump down her throat. Forget the fact that until quite recently "Retard" was perfectly acceptable. It's not even like she called anyone but herself a retard! Hell, Comedians say Retard on a daily basis, but nobody jumps down their throat!
You know what really irks me? People who are moaning and complaining about what she said are hypocrites! Seriously, I am willing to bet the majority of them has said something that a group of people find offensive, yet they have the nerve to rant and rave about what someone else said without thinking? Get over yourself people!
This whole Politically correct crap is just really getting out of hand. I mean seriously! You know what? I as of now find the word "fat" offensive! That's right, it should now be referred to as the "Other F-word". From now on I wish to be called Proportionately challenged American.
Related Articles
- Jennifer Aniston Calls Herself a 'Retard' (everyjoe.com)


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36 Days of Type is a project that invites Designers, Illustrators and Graphic Artists to express their particular view on letters and numbers of our alphabet. Participants are challenged to design a letter or number each day.
E, @levelbevel on Instagram, took this challenge on and pushed to make a short video for every letter and number, click on the thumbnail to your left to check out the full compilation!
© 2018 Layerframe Studios.
All rights reserved Layerframe Studios 2017


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Home > Sunglasses > Boys Sunglasses
In stock, immediate despatch
Brand: Ultra
Introduction We are pleased to be able to bring to you our latest range of Childrens sunglasses for children, these are stylish wraparound green and white glasses, fashionable and durable and will give your littleones hours of fun whilst offering them protection from damaging UV rays.
It is important to make sure littleones have their eyes protected from the sun and with these glasses being a fun cool fashionable style this encourages your children to wear them offering protection at a fantastic price.
Specifications Eye Height: 50mm Eye Width: 55mm Bridge size: 13mm Temple length: 130mm Style: Wraparound Colour: Green and White Weight: 20g
Included in the box 1 x Pair of kids wraparound sunglasses and microfibre carry pouch
We provide free delivery for UK orders through royal mail 48*
For 1st Class and Guaranteed next day delivery we charge a small fee to represent the additional costs to our business
For international and UK postage all items are dispatched on the day of purchase Monday-Friday if purchased before 14.00hrs
For all other items they will be dispatched the next working day
*we reserve the right when posting items to use alternative carriers if the represent better value and no loss of service delivery date
Be the first to Write a Review for this item!
EasyPeasyStore Ltd144a Burringham RoadAshbyScunthorpeDN17 2BG
Tel: 01724 341689
power bank, samsung power bank, audio jack cable, selfie stick uk, selfie stick iphone, bluetooth selfie stick, wired selfie sticks, 3d glasses, bluetooth active glasses, rf glasses, passive 3d glasses, shutter glasses, reading glasses, mobile phone accessories, bathroom accesories, soft close toilet seats, toilet seat hinges, face masks, led light glasses, led bracelets


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Power was restored Saturday afternoon to more than 3,000 customers in southeast Fresno who were briefly left in the dark.
Pacific Gas & Electric Co. reported about 3,426 customers lost power in an area roughly bounded by Belmont and California avenues on the north and south and Maple Avenue and First Street on the east and west. The outage was reported just after 3:30 p.m.
Another 294 customers without power were also reported in a neighborhood southeast of the intersection of Belmont Avenue and First Street, according to PG&E. By 7 p.m., the power was restored to the customers.
Fresno police said a minor crash at Tulare Avenue and First Street was not related to the outage.
PG&E did not list a cause for the outage on its website.
Cresencio Rodriguez-Delgado: 559-441-6304, @cres_guez


text: Lean hog futures finished the Wednesday session with most contracts 32.5 cents to $2.20 lower. The CME Lean Hog Index on February 5 was at $74.84, up 36 cents from the previous day. The USDA pork carcass cutout value was 89 cents lower at $77.34 in the Wednesday PM report. The ham primal was $2.34 in the red, with the belly the only other cut lower, down $4.40. The national base hog weighted average price was down $1.45 at $71.15 Wednesday afternoon. The USDA estimated FI hog slaughter at 1,393,000 through Wednesday. That is down 3,000 head from the previous week and 72,000 head more than the same time last year. Exports of pork during December totaled 514.317 million pounds, a record for that month but 3.9% lower than November. During 2017, the US shipped 5.632 billion pounds of pork, up 5.9% from 2016 and an all time yearly record.


text: My submissions to the U of M art fair, and somebody's painting of a dog. The bottom piece is an abstract rendering of a square. mishaestrin 33 Views More Info Full Credits mishaestrin Uploader Stats & Data 2Funny0Die 33 Views December 24, 2012 Published Category Parody Funny Pictures Fails Tags Atr fair bad art art parody abstract abstract art abstract art parody square with 3 corners attempts at drawing a squirrel drawing fail dog painting art fair joke prank funny art funny abstract art art humor Browse Related Comments 30+ more View All ▶ mishaestrin Vaguely Related Pics & Words Vaguely Related Videos Advertisement Tags: Atr fair bad art art parody abstract abstract art abstract art parody


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Come to our next event: Joe's Garage Holiday Sale!
Saturday, December 10th, 2016 4 pm until 8 pm
at the brave lux studio 1770 W. Berteau Ave (at Ravenswood) Chicago
What will you find?
- fine art frames — these are brand new and beautiful (donated by a Chicago art gallery)
- clear acrylic sheets– brand new and unscathed
- archival mat boards– these are brand new too! mostly white or ivory
- fabric– mostly new. includes upholstery fabric
- bags– for hauling musical equipment, photo gear and whatnot
- totes– for hauling groceries and everything else
- metal stands
- sewing notions
- colorful paper– big pieces of seamless photo paper and small bits from magazines, etc
- gifts for artists, makers and handy-people
- inspiration
Check back– we'll add more items– and photos!
And– make your own postcards!
We'll have cards and nature-themed stamps for making your own cards. Why not stop by and make a few cards that fit your mood– holiday cards for friends or action cards for legislators, business leaders, media, regulators and others.
RSVP via eventbrite
While you're there
Visit the Half-Baked Holiday Sale with our downstairs neighbor Chicago Glass Collective. They'll be selling hand-made glass art from various artists.
Depending on how much space we have available, we welcome donations. If you'd like to donate materials, please email susan (ask ~at~ animaliaproject ~dot~ org). If you can include a description of the materials– and a photo– that'd be great! If we don't have room, we'll try to help you find an organization that can accept your donation. Thank you!


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Our Process
Before you can begin to build your dream home, you have to find the ideal home site. Gerold Brothers Homes will help you choose a lot from many of the most popular neighborhoods in the southern Twin Cities metro area. Give us a call to help you locate a building site.
We will meet with you at your chosen home site to offer suggestions on how to place your new home to take greatest advantage of its natural surroundings.


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Noni Cinch Bag Handle & Hardware Kit
Pattern by Nora Bellows of Noni
PLEASE NOTE: Pattern Sold Separately
Purchase & Download the pattern here: THE CINCH BAG PATTERN
The Cinch has remained an extremely popular bag since its original release. Now we are re-releasing it as a kit, making it easy for you to offer a project to your customers that will excite them, and will generate good sales of yarn. This bag kit is perfect for a class for beginning knitter.
Each kit includes the following:
1 Earth Explorer hinged leather handle - available in black or truffle
1 extra 2.5" metal ring
4 or 6 half-round prong nickel bag feet
1 Sew-in Magnetic Snap
20 pkg of double-capped nickel rivets
We recommend purchasing the rivet setter and anvil toolkit so that you can complete your bags at home without having to seek out help at a shoe repair shop..
Finished Bag Dimensions
Small Cinch
8" (20cm) wide
4" (10cm) deep across sides of bottom
11" (28cm) tall to handle
22" (56cm) circumference opening
Medium Cinch
11" (28cm) wide
5" (13cm) deep across sides of bottom
13.5" (36cm) tall to handle
29" (74cm) circumference opening
Large Cinch
14" (38cm) wide
7" (18cm) deep across sides of bottom
16" (46cm) tall to handle
33" (84cm) circumference opening
- Availability:
- In stock


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120 caps
BCQ combines Boswellia and Curcumin extracts with Quercetin, a potent flavonoid, and Bromelain, a proteolytic enzyme derived from the pineapple plant. This powerful formula provides antioxidants and may help reduce substance P levels in the body. In addition, BCQ supports a healthy inflammatory response, which may aid in reducing minor pain.* The nutrients in this distinctive formula are also known to support gastrointestinal function and help maintain healthy connective tissue.*
- Boswellia serrata Gum Extract · 200mg per capsule
- Bromelain (high potency) · 100mg per capsule
- Quercetin dehydrate · 100mg per capsule
Other Ingredients: Gelatin Capsule, Magnesium Silicate, Silicated Cellulose, Silica, Leucine, and Ascorbyl Palmitate
*This statement has not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.


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When staying at Rensselaer we offer complimentary laundry facilities. All washers are energy efficient and use energy efficient detergent.
Ethernet is available at Rensselaer for a small fee. Don't forget to bring your Ethernet cable. Cable Television is available in the Rensselaer Student Union as well as residential lounges. A listing of channels and programs are available at TV Listings. Local telephone service is available upon request for a nominal fee.
Parking is available around campus. All lots on Rensselaer's campus require a valid parking permit. Lots are enforced Monday through Friday from 8:00am to 5:00pm. Conference/Special Event rates are: $7.00 for a day pass or a $35.00 for a week pass and $55 for the duration of your conference.
Linens Provided:
A pillow, full sheet set and towel set and a light blanket are provided to all conferences. Additional linen is available for minimal fees.
Recreational Activities:
Tennis courts, Gymnasium, Open Swim hours at the pool, Sports fields, and an outdoor volleyball court. Use of these facilities is based on availability. Adult Supervision is required. Additional fees can apply.


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Adams Furniture Justin Tx
Designing a beautiful house is actually frustrating, nevertheless Adams Furniture Justin Tx snapshot collection definitely will facilitate you purchase your preferred property. You will notice many different variations that are really uplifting out of Adams Furniture Justin Tx image stock. Simply by collecting exciting suggestions from Adams Furniture Justin Tx graphic collection, you might simply know what techniques if you decide on produce a home. Just about every pic of Adams Furniture Justin Tx pic stock are going to be your own lead, everyone must choose the look that you adore. A beautiful house will be soon obtained when you can put into action details of Adams Furniture Justin Tx picture stock to your property correctly. Variety of materials, designs, and varieties are generally reasons that one could carry with Adams Furniture Justin Tx photograph collection to obtain a perfect property. Swimming pool . magnificent dwelling as you possibly can discover within Adams Furniture Justin Tx snapshot stock, less complicated incredibly.
Your home could be the wonderful location to dedicate your weekend if perhaps these have a wonderful model enjoy Adams Furniture Justin Tx picture gallery illustrates. In case you genuinely wish to benefit from some ideas from Adams Furniture Justin Tx photograph stock, you may get the images earliest. The reality is, you should also use snap shots associated with Adams Furniture Justin Tx image stock since background for your personal pc considering each of them is in Hi Definition level of quality. Since Adams Furniture Justin Tx photo stock can provide a whole lot of pictures back, you may blend your styles with completely different shots. Blending a lot of methods of Adams Furniture Justin Tx photograph stock might make a residence which has a different display that will consistently provide clean sensation. Find out some innovative ideas because of Adams Furniture Justin Tx graphic stock to generate a shelter that there is been fantasizing. Not only for your needs, Adams Furniture Justin Tx image gallery could also help you make a cushty dwelling for a friends and family. Satisfy Appreciate this Adams Furniture Justin Tx graphic collection.
As noun
Abigail (Smith) –, U
social and political figure (wife of John Adams)
Alice, –, U
Ansel, –, U
Brooks, –, U
historian and political scientist (son of Charles Francis Adams and brother of Henry Brooks Adams)
Charles Francis, –, U
statesman: minister to Great Britain – (son of John Quincy Adams)
Franklin P(ierce) ("F
author and columnist
Henry (Brooks) –, U
historian, writer, and teacher (son of Charles Francis Adams)
James Truslow [truhs-loh] /ˈtrʌs loʊ/ (Show IPA), –, U
John, –, nd president of the U
–: a leader in the American Revolution
John Michael Geoffrey Manningham [man-ing-uh m] /ˈmæn ɪŋ əm/ (Show IPA), ("Tom") –, Barbadian political leader: prime minister –
John Quincy [kwin-zee,, -see] /ˈkwɪn zi,, -si/ (Show IPA), –, th president of the U
–; secretary of state – (son of John Adams)
Léonie Fuller [ley-oh-nee] /leɪˈoʊ ni/ (Show IPA), –, U
Maude (Maude Kiskadden) –, U
Roger, –, U
Samuel, –, American statesman: a leader in the American Revolution
Samuel Hopkins, –, U
journalist and novelist
Walter Sydney, –, U
a mountain in SW Washington, in the Cascade Range
, feet ( meters)
a mountain in N New Hampshire, in the White Mountains
feet ( meters)
a city in W MassachusettsAdam [ad-uh m for , , –; a-dahn for , ] /ˈæd əm for , , –; aˈdɑ̃ for , / Spell Syllables
As noun
the movable articles, as tables, chairs, desks or cabinets, required for use or ornament in a house, office, or the like
fittings, apparatus, or necessary accessories for something
equipment for streets and other public areas, as lighting standards, signs, benches, or litter bins
Also called bearer, dead metal
pieces of wood or metal, less than type high, set in and about pages of type to fill them out and hold the type in place in a chase
As noun
a male given name: from a Latin word meaning "just
com UnabridgedBased on the Random House Dictionary, © Random House, Inc
Cite This SourceExamples from the Web for Justin Expand Contemporary Examples
Justin replied by telegram, "Don't bother to come back, just send a check
"My Friend Justin Feldman Martin London September ,
A Google search revealed there are about , fans who have recorded the day Justin Bieber followed their Twitter accounts
Meet the Beliebers: Justin Bieber's Insane Twitter Fans Brian Ries September ,
The effortless transformation of Justin Bieber from dreamy teen heartthrob to heartless, self-centered pop star continues apace
Justin Bieber Abandons Mally The Monkey To German Authorities Tom Sykes April ,
I am really excited to work on issues of civil liberties with Republicans like Rand Paul and Justin Amash
Pro-Pot, Pro-Gay, Anti-NSA… and Running for Senate David Freedlander April ,
Justin Trudeau's comments on the Boston bombing, as stated in an interview with Peter Mansbridge of CBC
Justin Trudeau Comments on the Boston Bombing David Frum April , Historical Examples
They did not intend that Fogg should have Justin all to himself
Justin Wingate, Ranchman John H
At eight o'clock Justin came to fetch him to shut up the shop
Madame Bovary Gustave Flaubert
A sudden confusion had attacked Lucy Davison, who recalled certain conversations with Justin
Justin Wingate, Ranchman John H
So Bovary ordered a bandage and a basin, and asked Justin to hold it
Madame Bovary Gustave Flaubert
I had rather Justin beat me into submission and mental tranquillity and that I bore him an annual—probably deciduous—child
The Passionate Friends Herbert George Wells Word Origin and History for Justin Expand
Texas (approved especially for use with zip code)thx or tx
Adams Furniture Justin Tx Photos Collection
Relevant Pictures of Adams Furniture Justin Tx
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We are located at Midtown Crossing, 3117 Farnam St, Suite 7112 in Omaha. We are located directly across from Turner Park.
You'll find us next door to the Chicago Dawg House at the bottom of the hill on Farnam.
Our phone number is (402) 553-1490
Our fax number is (402) 932-6612
Office hours are weekdays from 6am-4pm


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Commuting, everyday errand runs and fitness rides are made more comfortable with Bontrager's gel-cushioned Comfort Gel CRZ+ saddle. Adding to the comfort is the ergonomic CRZ+ relief channel. Nature's elements are no match for the weather-resistant, vacuum-sealed covering, while the deep, ergonomic CRZ+ relief channel guarantees comfort.
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Author has written 3 stories for Harry Potter.
Peripatete, wishful thinker, nerd. Have lived and worked in several corners of the world: US, UK, UAE, Thailand (I know, it completely ruins the U- wountries, but while I've BEEN to Uganda, I've never worked there). I cannot decide what to do with my life, and so in the meantime I teach English as a second/foreign language.
I also aspire to write my own fiction and nonfiction, and I work mostly on editorials on any number of subjects. I'm currently involved in ongoing research for a someday-not-yet doctoral thesis, and Harry Potter's really just my own private writing playground.
I haven't written any fan fiction in years and years, but lately I've been getting back into it. So far I have 2 1/2 stories, and I have begun a fic in a new universe (oh my god!) - BBC Sherlock.
If you want to contact me, about my writing or yours, please do so! I LOVE to edit, perhaps more than I like to write my own work, but my editing/beta-ing pages tend to BLEED red ink. But if you need/want a beta, I'm your girl.


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Auto Loans
API Quota Exceeded. You Can Make 300 Requests Per Day.
Auto Market Dealing With Surplus And Lower Costs
For a lengthya long period of time, I have had a problem with those pointing to the vehicle industry as proof that the American economic situation is on the repair. The vehicle market is dealing with oversupply and this means lower rates. This has been forecasted by numerousmost of us for some time; however, it has actually been delayed by a wave of subprime automobile finances that have actually allowed a customer to purchase a vehicle even when it makes no sense economically. Years of climbing car sales owned by artificially reduced interest pricesrate of interest have actually owned sales and leases. While we listen to claims that the automobile market is hittingappealing all cyndrical tubes, we additionally listen tobecome aware of far also many jobless pupils getting new automobiles. Failure to concentrateconcentrate on where the sales are originating from or coming from is an error and also a clear indication this market is producing its own issues in future years. Recently, we have actually heard about sales, not concerning rising profits. Tape levels of channel padding will typically create sales gains, yet no profits.
The reduced prices have taken longer to show up compared to severalmost of us have expected; nevertheless, the facts behind just what has held up costs and also pushed this market forward are really disturbing. More of all new auto car loans have been going to subprime customers. Subprime currently composes regarding a 3rd of general cars and truck financesvehicle loan. The easiest way to end up being a subprime debtor is by defaultingback-pedaling previous financial obligation obligations. Automobile loan delinquencies have been rising, this indicates subprime loan misbehaviors currently stand at 18%. Acting to offer cars to people either reliantbased on cash from the federal government or no ways to spend for that automobile is not a good organisation suggestion. When you have significant economic loan providers and the remainder of the Wall surface Road banking consortium doling out 7-year 0% finances as well as subprime car loans as if it were sweet, its easy to move inventory. Sadly, while this has short-term improved the GDP, the releasing of exactly what is destined to come to be a lot more poor financial debtuncollectable bill constantly comes back to haunt us in the longover time.
rising vehicle sales driven by unnaturally reduced rate of interest rates have actually owned sales as well as leases. More of all new vehicle fundings have actually been going to subprime borrowers. Car car loan delinquencies have actually been rising, this implies subprime finance delinquencies currently stand at 18%.
Years of rising car sales driven by unnaturally reduced rate of interest rates have actually owned sales as well as leases. Even more of all brand-new car financings have actually been going to subprime consumers. Vehicle lending misbehaviors have been rising, this suggests subprime loan misbehaviors currently stand at 18%.
Hazardous Road Ahead On Automobile Lendings?
Put your ownyour personal car/road/looming crash analogy below, and thenand after that take a lookhave a look at vehicle fundings. While consumer self-confidence may be goodexcel, the supply market is at brand-new highs as well as earnings in basicas a whole are up, there are some problems gurgling up in this essential industry of credit history as well as lending.
Bloomberg notes that the auto car loan market is growing by leaps and also bounds as well as now is, relatively speaking, a larger slice of household financial debt than has been seen in almost a decade-and-a-half. And in the USA, vehicle lendings are expanding as a course of customer creditnon-mortgage consumer debt. Moody's Analytics as well as the newswire quote the financings exceptional at $1.1 trillion, and also of that, a subset of 25 percent remains in the hands of subprime borrowers.
As well as it is the subprime consumer that has been having trouble meeting the monthly note. This talkstalks with a bifurcation: In spite of an enhancing economy, some are not discovering it less complicated to discover the loan to pay all costs or are triaging expenditures, leaving some that they could regard non-essential for right now.
In an appearancea consider just how some of those finances are trending and just how they might be affecting lenders, consider that Ally Financial reported that pre-tax revenue glided by 11 percent last year, and also the decrease stemmed from car financing losses and also delinquencies. In another instance proffered by Bloomberg through its Intelligence system, Capital One had $45 billion of car fundings on its own equilibriumannual report, where a full third of that publication has been extendedencompassed subprime customers. Loan arrangements were up 52 percent year over year in that sector, with profit off 40 percent as an outcometherefore.
Yet the market – as in the stockstock exchange – appears greatly unfazed.stock market – appears largely unfazed. Financiers are looking past those metrics as well as their potentially risky signals, and also possibly they are looking at the rollback of economic laws and stimulation programs to come from Capitol Hillside. The duo just mentioned, Resources One and also Ally, have seen their usual stock gain by double figures, the previous by 29 percent as determined in just the previous 6 months.
A few engine cautioning lights are blinking, keeps in mind the newswire (we had to contend least one car analogy here). On the one hand, subprime loans pay relatively greater and also a lot more appealing yields that do various other courses. But if delinquencies startbegin to spread right into higher tranches of customers as measured by credit reliability, then margins get squeezed, as do financial resultsIf misbehaviors begin to spread right into greater tranches of customers as gauged by creditworthiness, then margins get squeezed, as do financial results. If internet revenuetake-home pay transforms to netbottom lines, investors will certainly dump stocks of lending institutions. That result may snowball if economic development begins to slow in earnest (as could be seen in an increasing interest price atmosphere).
keeps in mind that the car lending market is growing by leaps and bounds and also currently is, fairly talking, a larger slice of family debt compared to has actually been seen in nearly a decade-and-a-half. In a look at how some of those financings are trending and also exactly how they may be influencing loan providers, consider that Ally Financial reported that pre-tax revenue glided by 11 percent last year, and also the decline stemmed from vehicle car loan losses and also delinquencies. In an additional instance extended by Bloomberg through its Intelligence device, Funding One had $45 billion of vehicle car loans on its very own equilibrium sheet, where a complete third of that book has been expanded to subprime borrowers.
Unsafe Road Ahead On Automobile Loans? Bloomberg notes that the auto finance market is growing by leaps and bounds as well as now is, reasonably speaking, a larger slice of home debt compared to has actually been seen in nearly a decade-and-a-half. In a look at how some of those car loans are trending and how they may be impacting lending institutions, think about that Ally Financial reported that pre-tax earnings slid by 11 percent last year, as well as the decline stemmed from vehicle lending losses as well as misbehaviors. In an additional instance extended by Bloomberg via its Intelligence unit, Funding One had $45 billion of automobile car loans on its own balance sheet, where a full third of that book has been expanded to subprime customers.
An AppearanceA Take A Look At Impressive Fundings For The US Financial Industry, As Well As Just How They Have Actually Transformed Given That 2012
Residential home mortgages, business amp; commercial (Camp; I) loans and industrial actual estate (CRE) financings with each other create nearly 70% of all exceptional car loans for the US banking industry.
* Credit card financings include unsecured revolving credit, while retail finances consist of car loans, student car loans as well as other secured customer car loans. Various other fundings compriseconsist of car loans to economic organizationsbanks as well as the loaning of government funds as well as reverse repurchase agreements * Credit card financings include unsecured revolving debt, while retail lendings consist of car car loans, student loans and various other secured consumer financings.
LendingTree, Inc. To Present At Needham Emerging Innovation Conference
Additionally, the business most current financier discussion will be available on its investor relations site at investors.lendingtree.com.
About LendingTree, Inc.
. LendingTree, Inc. (NASDAQ: TREE) operates the countries leading online loan marketplace and offers consumers with a range of online tools and details to help them discover the finest loan for their needs. LendingTrees online marketplace connects consumers with numerous lenders that compete for their company, empowering consumers as they comparison-shop throughout a full suite of loans and credit-based offerings. Since creation, LendingTree has actually helped with more than 55 million loan demands. LendingTree offers consumers with access to lenders providing homemortgage, house equity loans/lines of credit, personal loans, automobile loans, student loans and more.
LendingTree, Inc. is locateded in Charlotte, NC and keeps operations entirely in the United States. For more informationFor more details, please visitwww.lendingtree.com.
Investor firstname.lastname@example.com!.?.! To see the
initial variation on PR Newswire, see: http://www.prnewswire.com/news-releases/lendingtree-inc-to-present-at-needham-emerging-technology-conference-300270164.html SOURCE LendingTree, Inc. Associated Links http://www.lendingtree.com
JPM Hikes Quarterly Dividend To $0.48/ Share From $0.44/ Share (NYSE: JPM)
JPMorgan Chase Co. (NYSE: JPM), a financial holding company, proclaimed a quarterly dividend of $0.48 per share, a boost from the prior quarterly dividend of $0.44 per share. The dividend is payable on July 31, 2016, to shareholders of record at the close of company on July 6, 2016. Shares of the New York-based business rose a little in extended trading after closing flat at $61.66 on Tuesday. The stock has actually acquired 4.9% over the previous 3 months.
The stock is up 0.15% or $0.1 after the news, hitting $61.75 per share. About 12.18 million shares traded hands. JPMorgan Chase Co. (NYSE: JPM) has actually declined 0.44% because October 9, 2015 and is downtrending. It has actually underperformed by 3.01% the SP500.
JPMorgan Chase Co. operates as a financial services company worldwide. It runs through Customer Community Banking, Corporate Financial investment Bank, Commercial Banking, and Possession Management sections. The Consumer Neighborhood Banking segment offers deposit and investment items and services to customers; lending, deposit, and cash management and payment solutions to small businessessmall companies; domestic mortgages and home equity loans; and credit cards, payment services, payment processing services, automobile loans and leases, and student loans.
The Corporate Financial investment Bank segment supplies financial investment banking products and services, including recommending on business method and structure, capital-raising in equity and financial obligation markets, as well as loan origination and syndication; treasury services, such as cash management and liquidity solutions; and money securities and derivative instruments, risk management options, prime brokerage, and research study services. It also offers securities services, consisting of custody, fund accounting and administration, and securities financing items for asset managers, insurance companies, and public and personal investment funds. The Commercial Banking sector offers financial options, including lending, treasury, financial investment banking, and asset management to corporations, municipalities, financial organizations, and nonprofit entities, as well as financing to genuine estate investors and owners. The Asset Management segment offers investment and wealth management services throughout different possession classes, such as equities, fixed earnings, options, and cash market funds; multi-asset investment management services; retirement services; and brokerage and banking services comprising trusts, estates, loans, mortgages, and deposits. JPMorgan Chase Co. was established in 1799 and is headquartered in New York, New York.
Surefire Approval Auto Loans For Bad Credit People Throughout The Nation
Money Saving Tips To obtain Surefire CarVehicle loan Approval With Bad Credit
"There are a number of strict eligibility criteria and process requirements to be followed in order to get surefire approval car loans for bad credit. Get aided to improve understanding on the exact same and see how things can be easier in terms of protecting automobile finance loan that fits spending plan."
Interestingly, nowadays, many loan providers offer ensured approval automobile loans for bad credit. This makes it simple for individuals with less than best credit score to get qualifiedobtained auto loan through the process which is quick and totally freedevoid of inconveniences. Advent of internet and online availability of trusted lenders, banks, etc. that specialize in offering ensured carvehicle loan approval with bad credit have actually made things much easier in regards to comparing non-obligatory vehicle finance proposals. Even online vehiclevehicle loan calculators are offered that makes it simple for borrowers to get some idea about the regular monthly payments they may get with various rate of interest provided by different loan providers. Customer just requireshas to be fluent with the right method to apply while making comprehensive contrast between numerous car financing proposals.
The reason why it is crucialis necessary make comprehensive contrast in between few ensured approval automobile loans for bad credit propositions is that interest rate along with eligibility requirements in addition to procedure requirements might differ per loan provider. For circumstances, it is difficult to obtain qualifiedgotten approved for lower interest rate on bad credit automobileauto loan. However if customer looks into appropriate carauto loan options and compares bad credit vehicle finance prices estimate offered by few loan providers, he could find cheapest quote and get benefited with competition amongst loan providers. This is one of the simplest ways to conserve cash on guaranteed automobileauto loan approval with bad credit.
If you've had a bad credit report, do not worry we provide guaranteed approval car loans for bad credit people throughout America
In addition to this, there are numerous other factors that will affect approval opportunities for certain kind of automobile loan. Clearly debtor's income, his general employment stability, etc. may be analyzed by lenders. Lenders might rely on debtors with stable source of great income and thus might concur for quick approval. Besides, it is advisable to start making improvements in credit rating prior to applying for automobile loan. This is because loan providers, on observing credit enhancement, may desirewish to charge beneficial interest rate from borrower.
In various kinds of vehicleauto loan, making huge amount of deposit and having cosigner with great credit rating is practical. The easy idea is that if debtor has good financial condition which reveals his ability making regular payments on automobile loan, he will discover it simple to qualify for economical auto loan. There are various ways through which customer can predict his monetary stamina to loan provider. Also, paperwork is included. Skilled, proficient, knowledgeable and well-informed vehicle financing specialists are well-versed with these methods.
These experts guide borrowers throughout the procedure from choosing right lender online to getting qualifiedgotten ensured credit approval automobilevehicle loan. Reputable online car finance services employ the team of such experts and therefore can help customer to get connected to the ideal specialist who might assist debtor to protect finest automobile finance solution for his budget plan.
Warning: Steer Clear Of Prolonged Automobile Loans
Don't get tricked into purchasing more car than you can actually manage the next time you're at your regional automobile car dealership. Uncomfortable findings from the Financial Consumer Company of Canada show that a growing number of customers are buying larger automobiles with bigger extended auto loans surpassing the standard five years.
This is concerning because month-to-month payments on longer loans for more expensive automobiles are typically roughly the very samelike those on shorter loans for economy cars. And because a lot of customers break their auto loans throughout the fourth year, they're more likelymost likely to refinance debt into their next car loan– something understoodcalled long-lasting negative equity.
The example below programsdemonstrate how someone who purchased a $35,000 automobile, financed with a 4% rate of interest loan over five years, would begin accumulating positive equity– in which the vehicle's value becomes higher than its loan balance– midway in the fourth year. Meanwhile, somebody who purchased the same vehicle with the very same rate over eight years is still $9,000 underwater halfway through year 4 and won't start obtaining favorable equity until completion of the seventh year.
Check outLearn more:
Should I get a long-lasting loan? Ways to get out of a bad vehicle loan Buying your first vehicle
Automobile And Charge Card Delinquencies Increase In First Quarter
First quarter serious delinquency rates for car loans and credit cards increased to some record quantities in the first quarter this year, however the numbers total stay historically low, according to TransUnion's first quarter Market Insights Report released Wednesday.The severe delinquency rates for automobile loans(60 or more days overdue) reached 1.12 percent in the very first quarter, marking the very first time the figure topped 1 percent in the very first quarter considering that 2011, according to a press release from TransUnion.Serious delinquency
rates for credit cards, accounts that are 90 or more days unpaid) increased to 1.47 percent in the first quarter. This is greatest first-quarter amount since the very first quarter of 2013, when serious credit card delinquencies were 1.51 percent. First quarter 2014 and 2015 delinquencies stayed stable at 1.37 percent, according to TransUnion. Major charge card delinquency rates, nevertheless, continue to continue to be below the typical very first quarter rate of 1.52 percent given that the beginning of 2011."The oil downturn continued to effect consumer credit efficiency in those states [North Dakota, Texas, Oklahoma] with economies more dependent on the energy sector, "TransUnion reports.But that is just part of the impact." An increase of loans to non-prime credit threat borrowers likewise has actually pushed these delinquency rates up,"said Ezra Becker, senior vice president of research study and consulting in TransUnion's monetary services business unit in the news release."In spite of the delinquency rises in these credit items, overall levels of delinquency continue to be reasonably low from a historic perspective." The year-over-year growth in charge card balances, nevertheless, is at a record, according to TransUnion.The overall balance for credit cards increased 6.4 percent to reach nearly$644 billion in the very first quarter, likewise marking the highest year-over-year development observed in more than six years. The overall balance for credit cards was$605 billion in the first quarter in 2014, according to TransUnion.Recent information from CardHub also reveals increases in charge card financial obligation and delinquency rates, ACA International formerly reported.Quarterly credit card debt and delinquency rates varied in 2015, but both figures
enhanced in general by the end of the year, according to the CardHub 2016 Credit Card Landscape Report launched April 6. The delinquency rate from the 3rd to fourth quarter increased from 2.18 percent to 2.23 percent, respectively, while customers 'charge-off rates also increased.Credit card debt build-up enhanced 146 percent from the 3rd quarter to 4th quarter 2015, or $21.3 billion to$52.4 billion, respectively, according to the CardHub report.Credit Card Originations Charge card originations enhanced for customers at all levels of credit risk as of the end of 2015.
The originations, saw one quarter in defaults to guarantee all accounts are reported, enhanced from 14.42 million in the fourth quarter 2014 to 16.52 million in 4th quarter 2015, according to TransUnion.
"Development was observed across
all threat tiers, with the slowest year-over-year growth rates observed in the prime danger tier( 14.3 percent )and super
prime threat tier(10.6 percent.)Prime customers also experienced the slowest balance growth in Q1, at 4.5 percent year-over-year growth."The TransUnion Industry Insights Report is a quarterly overview to summarize information, trends and perspectives on the US customer financing industry. It is based upon anonymized credit card data on"credit active"consumers in the United States Follow ACA on Twitter @ACAIntl and @acacollector or Facebook for news and event updates. ACA's LinkedIn Group consists of news updates, member discussions, event promotions, jobs and
more. Go to the group page and demand to join today.


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Danger of the deadly dust
The harsh climate and environment of the Middle East and North Africa imposes unique challenges for military aviators – and particularly for the operators of rotary wing and vertical lift aircraft. Jon Lake reports.
Flying through a dust- and sand-laden atmosphere at low level may be unavoidable, but it can wreak havoc on a helicopter.
Sand will strip and abrade the leading edges of rotor blades and, since today's advanced, lightweight rotor blades are constructed from fibreglass composite material, they are particularly vulnerable to abrasion and damage.
To counter this, most helicopter rotor blades are fitted with a hard metallic abrasion strip, which prevents the leading edge of the rotor from being worn down too quickly.
Sand and dust also affect a helicopter's powerplant, with a high risk of rapid engine wear and subsequent power deterioration, and with some chance of glass build-up in high temperature sections of the engine.
There are some solutions to the problems caused by ingestion of sand and dust, but these, themselves, tend to lead to an inherent loss in inlet pressure and, sometimes, auxiliary power.
To combat the ingestion of particles, there are three basic types of inlet protection system. These include integrated inlet particle separators, as well as after-market inlet barrier filters and vortex tube separators, which tend to be offered as a retrofit option.
Typical inlet barrier filters comprise a pleated filter element (pleated to increase surface area), which need to be changed every few flights. It has been calculated that the filter for one helicopter would remain effective for little more than eight minutes in a cloud with 0.5 grams of dust per cubic metre, equal to about 22 dust landings.
Vortex tube separators use a helical vane to spin particles to the periphery, where they are removed via a scavenge flow using a high-speed blower fan. There are no filters to change and minimal inhibition of airflow into the engine air intake.
The typical inlet particle separator creates the least drag, whereas inlet barrier filters provide the highest particle removal rate (at the expense of some loss of power) and vortex tube separators achieve the lowest pressure drop.
But, probably the biggest obstacle to rotary wing operations in sandy and dusty environments, lies in the tendency of helicopters to kick up clouds of dust or sand when hovering close to the ground – especially landing or taking off, when a dense cloud of particulates will be thrown into a vortex by the rotor wash of the hovering helicopter.
This forces aircrew to operate in what is known as 'brownout', with the dust cloud obscuring the external visual references that a pilot requires to hover or manoeuvre accurately, to judge his position over the ground or his rate of movement fore and aft or laterally, and even to judge his height or rate of descent.
But brownout is also disorientating – since in the huge swirling mass of particles some will be moving in different directions, which can confuse the pilot as to where the ground is, whether the aircraft is level and even whether it is stationary or drifting toward an obstacle.
Undetected lateral movement when trying to land is particularly dangerous. If the vertical rate of descent is higher than intended, a hard landing will result. However, most helicopters have a strong landing gear that will absorb this.
Similarly, the landing gear will normally cope with unexpected fore and aft movement, since it is already designed to allow rolling landings.
But most helicopters have a high centre of gravity, and any sideways movement can result in a dynamic rollover.
Operating in a degraded visual environment (DVE), whether as a result of environmental conditions (sandstorm or snowstorm) or a brownout, is inherently dangerous. Some experts maintain that operating in a DVE has claimed more military aircraft and lives than enemy fire since 2001, accounting for 400 aircraft losses and 152 lives, at a cost of $1 billion.
Michael Hirschberg, executive director of the American Helicopter Society International, calculated that brownout has been a "significant contributor" in the loss of 400 vertical flight (and 600 personnel) aircraft, while Colonel Matthew Hannah, of the US Army's aviation systems project office, has said that 25% of the 383 Class A and B US military flight accidents between 2002 and 2015 related to operations in degraded visual environments.
According to Hannah, 56% of these accidents occurred in brownout conditions, costing "approximately nine to ten people per year because of DVE brownout-related accidents".
The use of prepared landing surfaces at forward operating bases and other regular helicopter stops can reduce brownout landing losses by reducing the amount of loose sand or dust that can be displaced by rotor downdraft.
Alternatively, pilots can keep their aircraft moving forward until its wheels touch the ground, making what resembles a roll-on landing and keeping dust cloud behind the helicopter until it lands. This requires a long flat/smooth landing zone (LZ) without surface hazards and is dependant on surface winds, while also being better suited to aircraft that can land in a more nose-up attitude, like the H-60 and Chinook.
Sometimes, the best option will be to abandon the landing attempt, or to hover high enough to be able to blow the dust out of the way before attempting to land, but this may not be an option, especially in critical military operations.
Technology can help. Workload reduction and improved situational awareness can help in brownout conditions, and improved military helicopter handling qualities and reduced pilot workload are seen by many as forming an important part of any solution. Improved head-up, head-down and helmet-mounted displays, now being developed by the Army Aeroflight Dynamics Directorate in California, will also play an important role.
Some have suggested using commercially available helicopter terrain awareness warning systems (HTAWS), which provide visual and audio warnings if an aircraft is in danger of striking terrain. However, these rely on digital map databases, while military helicopters often fly in unmapped combat zones, and also routinely fly so close to the ground that the system would be issuing near constant warnings.
To properly solve the problem, a pilot needs to be able to see the outside world, or a reasonable approximation of it, to land safely.
Obtaining a visual picture in such conditions requires some kind of sensor – either two-dimensional like infrared video, image intensified video, passive millimeter wave (MMW), or synthetic aperture radar (SAR); or three dimensional as with 3D active MMW, laser detection and ranging (LADAR), sparsely populated radar array, active acoustics or stereo imaging.
Preloaded data may also play a part, including digital maps, terrain and vertical obstruction databases, while station-keeping equipment can provide range/bearing from other aircraft, which may not be in visual contact.
Various solutions have been trialled in recent years, mostly using active sensors, and most notably by the various US service branches – particularly the Army and the special operations community.
In 2013, Sierra Nevada Corp's helicopter autonomous landing system (HALS), was tested in five US Army UH-60L Black Hawk helicopters in Afghanistan in a year-long trial.
HALS was based on a 94 GHz radar using a frequency whose range is claimed to be "basically unaffected" by smoke, fog, dust, sand or dry snow, and which was reportedly judged to represent the most mature "bang for the buck". The radar picture is fused with US Department of Defense-sourced digital terrain maps, producing a 60-degree by 60-degree 3D colour image of the outside world, including hazards down to one foot in size.
HALS will eventually be coupled with a brownout symbology system (BOSS) still being developed by the Army, which will overlay speed, altitude, wind direction and even flight control command cues on the picture.
The US Special Operations Command's Sierra Nevada-supplied DVE pilotage system (DVEPS) was successfully flight tested at Yuma in June 2015. This combines information from millimetre wave, laser scanner and forward-looking infrared sensors to create an accurate, real-time terrain image.
The system has since been selected by the Army to meet its Brownout rotorcraft enhancement system (BORES) requirement for fielding on approximately 300 Sikorsky UH-60M/V Black Hawk and Boeing CH-47F Chinook cargo, utility and medevac helicopters.


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The University Library's Data Purchase Program allows campus researchers to apply for funds (up to $5000) to acquire data for their research.
See the full announcement for information about eligible data sets, selection criteria, and a link to the online application.
Applications can be submitted at any time, but the deadline for first consideration is October 3, 2016. Purchases from this first round of applications will be announced by November 18, 2016.


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Planet Earth. Highly detailed 3D laser rendering inside rectangle crystal.
Add a beautiful round, rotating light base for extra dramatic effect! Or add an elegant wooden light base to make this art piece shine! See full collection of LED Light Bases here.
Review by Samantha
I set this up on the table in my classroom. The kids love it, and gained real interest in the earth and how it has evolved. (Posted on 12/16/2014)
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I bought this for my little astronaut to be. He displayed it right by his bed and said that this is what earth will look like when he finally makes it into space. Thanks for keeping his dream alive. (Posted on 12/16/2014)
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*The rendering on your finished 3D Laser Photo can be different from the examples shown throughout our website based on the original image that you provide. If you have any questions, please email us at firstname.lastname@example.com.*


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first NJ.com user to add photos or videos of Armstrong Diane E
Armstrong Diane E can be found at Stelton Rd 154. The following is offered: Real Estate Agents. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Piscataway there are 12 other Real Estate Agents. An overview can be found here.


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Integrated Project Manager required - 13/09/2017 12:39 EDT
Ngân sách £18-36 GBP / giờ
Immediately available Integrated Project Manager required to help drive through a number of large existing projects we are working on on behalf of our biggest client.
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Must be inhouse in our Tower Bridge offices.
5 freelancer đang chào giá trung bình £24/giờ cho công việc này
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text: Annual Programs And Drives Our Programs are geared to help our local community. Back to School Each summer, in preparation for the upcoming school year, CI Foundation provides backpacks and supplies to elementary and middle school students Courage Award Helping cover the medical expense of a select individual who showcases courage in there fight against cancer. Food Drive Helping homeless families by providing canned food and nonperishable items to local food banks and soup kitchens. Holiday Toy Drive Bringing the Holiday Spirit to those less fortunate through a toy distribution and instilling the values of giving, as benefitting youth receive a gift for themselves and for a loved one. Max Roy Scholarship Fund A fund designated to provide financial support to cover the entry costs children of all ages to attend local summer camps. Thanksgiving Drive This program was designed to make Thanksgiving special for a selected family in need by providing a full meal for Thanksgiving. Trash Bags to Duffle When youth are transferred in the foster care system, their personal belongings are loaded into trash bags for transport. In an effort to build self-esteem and remind youth that their possessions are not trash, we provide new and used duffle bags to these youth. Youth Fitness Clinic Series In partnership with local professional athletes, these fun filled days of exercise focus on health, wellness and nutrition in youth.


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Congress will move to close loopholes that could allow Islamic State terrorists to enter the United States and conduct attacks like the one last week in Paris that killed 129 people, House Homeland Security Chairman Michael McCaul said Wednesday.
"Today we must make this much clear: We are at war," the Texas Republican said at a joint hearing with the Foreign Affairs Committee.
First on the agenda is a move to slow President Obama's plan to dramatically increase the number of Syrian refugees admitted into the United States to 10,000 by 2017 until the Department of Homeland Security, the FBI and the director of national intelligence can certify that none would be a security threat.
French authorities believe that some of those who took part in Friday's attacks in Paris sneaked into the country as refugees.Read more on WashingtonExaminer.com


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Located in the Tanger Outlets in Atlantic City, NJ Cavo Crepe is a fresh take on a quick bite. We use the finest, freshest ingredients to create tasty menu options. Oh, and you can watch us make your Crepe ;)
Located at The Walk outlet mall, Cavo Crepe Cafe is the perfect spot to take a break from a long day of shopping and fuel up for a long Atlantic City night. Offering an extensive menu of savory and dessert crepes as well as panini and smoothies, their yummy ingredient combinations are sure to please one and all.
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Great crepes; crappy coffee and a cute atmosphere with indoor and outdoor seating! This is a great breakfast place for those staying nearby at the Sheraton....
I instantly fell in love when I stepped inside this little establishment on The Walk/Tanger Outlets one day when I was on break from work 6 years ago. Fresh...
Cavo Cafe creates delicious Crepes, Paninis, Salads, and Smoothies using the freshest ingredients and a farm to table approach to fast casual dining.
Cavo Crepe Cafe is located at 122 N Michigan Ave, Atlantic City, NJ. This location is in the Monroe Park neighborhood. This business specializes in Cafes.


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This should give you a good understanding of tren and how perfect of a compound it is when you're choosing which AAS to run. In most cases tren should not be run by itself; tren will shut down your natural testosterone production and you're best suited to stack tren with some form of testosterone. Also, an important note, Trenbolone is typically not suitable for beginners; Trenbolone as we can see is a very, very potent compound and the side effects in some cases can be brutal for some lifters. That is also another reason why Trenbolone Acetate is best in comparison to other forms of Trenbolone. Because it has the Acetate ester attached to it, making it very fast acting and giving it a very short half-life, if problems arise, the lifter can discontinue Trenbolone Acetate and have it cleared from his system very quickly.
Injectable steroids are injected into muscle tissue, not into the veins. They are slowly released from the muscles into the rest of the body, and may be detectable for months after last use. Injectable steroids can be oil-based or water-based. Injectable anabolic steroids which are oil-based have longer half-life than water-based steroids. Both steroid types have much longer half-lives than oral anabolic steroids. And this is proving to be a drawback for injectables as they have high probability of being detected in drug screening since their clearance times tend to be longer than orals. Athletes resolve this problem by using injectable testosterone early in the cycle then switch to orals when approaching the end of the cycle and drug testing is imminent.


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Registration Instructions
Please choose your registration preference, either Basic or Comprehensive. A Comprehensive Registration includes a meal choice option for the Agatha Awards Banquet. Be sure to select your meal choice: chicken, beef or vegetarian.
If you are registering for more than one person, please provide the names and contact information (email, phone and city to print on their badge) of the additional people you are registering for the comments section.
Authors will be sent a Mystery Author Information Form by the Programming Chair prior to panel programming.
All cancellations are subject to a non-refundable $50 fee. No refunds will be processed after 3/15/19. Registrants who cancel become Friends of Malice 31.
If you have questions about your registration, please email Shawn at email@example.com. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
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In order to provide the best possible experience to the fans for whom the convention was created, the Malice Domestic Board of Directors has adopted a policy defining author eligibility for program participation:
Malice Domestic does not guarantee a program slot to any participant.
Malice Domestic will only offer author assignments to traditionally published authors or those who have been nominated for established mystery awards.
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Established mystery awards include the Agatha, Anthony, Arthur Ellis, Barry, BONA, Dilys, Edgar, Hammett, Lefty, Macavity, Nero, Shamus, and the Dagger awards presented by the British Crime Writers Association.
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I spent about half of my career working for Kansas City's Metro Information Services, then Keane (when they acquired MIS) as a consultant. As a consultant, I eventually learned a crucial truth which applies to consultants and employees alike. It's just that employees have the luxury of forgetting this from time to time.
The Consultant's Law
As directly as possible, ensure that your efforts make money for your clients.
That's the secret to really long contracts and an high level of control over your career. There's a well known evil doppelganger of this law that I'll call The Law of Job Security.
The Law of Job Security
As directly as possible, ensure that your absence will cost your clients money.
A lot of people seem to live by this law. It's subtly different from The Consultant's Law, but The Law of Job Security breeds resentment and comes across as unprofessional and opportunistic. It's also dangerous, because as irrational as it is in some cases, people tend to punish those who take advantage of them - even when it costs them and their company.


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When we got to the parking lot at the sportboat basin Sunday morning, the place was already crowded. There were booths than ever, and thanks to some nice weather, more people than ever, as far as I could tell, even at eight in the morning!
Big Crowd Early: Day at the Docks was a great draw.
Its an important event, to the Port of San Diego, to the sport boat fleet, and to local merchants and tackle sellers. Manufacturers like Seeker, Accurate, Mustad, Calstar, Izorline, Berkeley and many more were showing their latest tackle, wares, clothing, gimmicks, gadgets and what have you.
The pens of mackerel tied to the docks were loaded with fish and kids busy catching them. The kids fishing opportunities here are the best Ive seen anywhere. Watching the kids catch those mackerel would put a smile on the saddest mans face. It makes you remember the first fish you ever caught, and how exciting it was.
No one has more fun at Day at the Docks than the kids, catching mackerel like crazy!
Joe Pfister showed me some of the high points of his new line of Super Seeker rods.
Joe Pfister shows the quality work and materials on his new Super Seeker rods.
Were using 100% titanium guides now, said Joe, and 120 Graphite and S-glass in the composite. The grips are EPDM, which retains grip and reduces hand fatigue. Were making our own reel seats from 6061 aluminum, and the Super Seekers are double-coated, triple-wrapped blanks.
Dean Yoshizumi of Blackwater had a booth with his fluorocarbon, line and Spectra brands.
Bill Poole was signing copies of his new book, Fish or Cut Bait, with help from his Gal Friday Betty Stein and writer Chuck Garrison. The new book was a hit at this spring's Long Beach Show. It's a good read.
Bill Poole was at Day at the Docks--here with Betty Stein and Chuck Garrison.
George Swarburg was doing some business with his Knobbies, a soft cushion for the butt of a light tackle rod that eliminates the need for a belt.
George Swarburg's Knobbies eliminate need for a belt in light tackle fishing.
Izorline was well-represented and a knot-tying contest being run by Deena Nelson-Baker and Dave Archibald. I believe I saw someone get 90 pounds of strength from a knot tied with 80-pound Izor.
Tie a good one! Izorline knot experts Dave Archibald and Deena Nelson-Baker.
I heard someone was selling Crocs, my favorite deck shoes, at two pairs for 30 bucks. I headed that way right off, but never got there. I got stopped several times to renew acquaintances, and never found the place. Oh, well.
Pete Haynes was on stage, telling a crowd how to pull on fish with the short-stroke method.
John Rowe and his helpers were making some outstanding tackle deals at the Friends of Rollo booth. Theres no better charity I know than this, that takes thousand of kids fishing.
The Friends of Rollo see that thousands of kids get a chance to go fishing.
The US Coast Guard had a cutter tied up, the San Diego Police had a booth, and there was so much tackle and food around you could get confused trying to make a choice.
It looked like Fishermans Landing had half the store outside, selling well. Bob Kotula had help in the Mustad booth, where he was showing off hundreds of different hooks and some new scents.
Mustad has new scents and more new hooks than you could shake a stick at.
Something for everybody; thats what Day at the Docks is all about. Thanks to a little break in the weather, this years event came off just fine. It was a good day at the docks.


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We all know that exercise benefits our physical health but what about our mental health? Recent research has shown that two-thirds of people spend less than an hour per day outside during autumn and winter. Rather than getting a boost from staying in snuggling up on the sofa with a cuppa, the lack of activity, light and fresh air affects many people's mood in a negative way.
Lack of light causes changes in our hormones. Exposure to sunlight increases serotonin, the 'feel good hormone' of which we naturally produce less in the winter.
The winter blues, also known as seasonal affective disorder (SAD) are said to affect around 2 million people in the UK. One theory about why the season affects our mood is that the lack of light causes changes in our hormones, mainly because the dark, short days mean our body misses the signal to stop producing the sleep hormone melatonin. Higher levels of melatonin can help cause depression, lethargy and lack of motivation, meaning you're even less likely to get outside and exercise.
Other symptoms of SAD include a tendency to oversleep, which possible exacerbates the condition even further as anecdotal evidence suggests the most important time to expose yourself to light is first thing in the morning. Exposure to sunlight increases serotonin, the 'feel good hormone' of which we naturally produce less in the winter.
SAD can also give you the compulsion to overeat, particularly when it comes to starchy carbohydrates and let's face it, feeling fat doesn't make you feel any better about yourself. This in turn can worsen the desire to withdraw yourself from social situations and hide away all winter - a vicious cycle that's hard to 'snap out of' even when you know it's doing you no good.
So where does cycling come into this?
It's simple. Evidence suggests that just 30-minutes of vigorous exercise three times a week is an effective treatment for depression. It's a fantastically easy, immediate and thrifty way to self-medicate, so keen cyclists are already armed with a powerful tool against winter blues.
If you're able to commute, transform a slot of time (that you might normally waste staring into space) into something very valuable.
Exercising outdoors is the absolute pinnacle of mood-boosting endeavours; the added exposure to light adding further serotonin. Cycling is also easy to fit in if you're able to commute, transform a slot of time (that you might normally waste staring into space) into something very valuable.
Despite all these great reasons to ride through winter, it can be hard to transition from summer to winter cycling. One of the hardest things is actually just getting out of bed when it's cold and dark outside, but the best way to deal with that is to not allow yourself to negotiate any extra minutes in bed. Leave your alarm clock or phone on the other side of the room so that you're forced to get up to turn it off and once you're up, never ever get back into bed!
A well thought-out cycling wardrobe makes heading out into the cold less daunting.
Having checked the weather forecast the previous night, I like to leave my chosen cycling clothes laid out, so I'm ready to first thing in the morning.
Whilst it's perfectly possible to cycle in anything at all, a well thought-out cycling wardrobe makes heading out into the cold less daunting.
A jacket for rainy days is your first priority
...and it's best to choose something lightweight and breathable as you can layer it (or remove it) depending on the weather.
Primal Onyx Rain Jacket
Morvelo Plan B Race Cape
A synthetic or merino wicking base-layer
...helps spirit sweat away from the skin to keep you comfortable, dry and snug.
There are no products matching the selection.
Quality waterproof trousers
...ensure you'll never miss a day due to bad weather and a peaked hat under your helmet helps keep rain out of your eyes.
A pair of waterproof shoe covers
... if you wear cycling shoes, help banish cold, soggy feet. If you don't, consider waterproof socks or waterproof hiking boots with a good tread. To top is all off, add bright front and rear lights (definitely) and reflective clothing (should you wish).
The start of autumn is also a good time to get your bike winter ready.
Consider changing your tyres to something tougher, wider and with more grip and inflate them slightly less than usual to give better traction. Check your brake pads have enough life left in them, inspect the chain for wear and have a good look over your whole bike for any cracks, dents or frayed cables. Be sure to regularly check or service your bike throughout the winter months as grit, salt, rain and dirt can mean it deteriorates more quickly than normal. To keep things running smoothly, wash it regularly and oil the chain.
Out on the road, it pays to adapt your riding to winter conditions. Sticking with main roads rather than side roads makes sense as they are less likely to be icy. Be sure to leave extra time to slow down and stop as braking distance is increased in the wet. Take care to avoid white lines and manhole covers as they may be slippery.
In conclusion, there may be a few reasons why not to ride in winter and if you're determined not to do yourself any good, I'm sure you can come up with a hefty list. But any of those reasons are vastly overshadowed by the positive things about cycling in winter so write a list of those and stick it on your fridge - your body and mind will thank you for it.
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We learned that one of New York's famous hedge fund managers has lost 18% this year. He descri...
Fidelity Focused Focuses in on Tech and Healthcare
11/27/2017 5:00 am EST
Focus: FUNDS
Fidelity Focused Stock (FTQGX) has been a very strong performer. Stephen DuFour has managed Fidelity Focused Stock since March of 2007, notes Walter Frank, fund expert and editor of MoneyLetter.
And while the fund has had its ups and downs (as all funds do), its ten-year trailing annual average total return of 8.74% (as of November 3) outpaces nearly three-quarters of Morningstar's large growth fund category, and also beats the S&P 500 benchmark.
More recently, a 9.08% return for the trailing three months through November 3 bests 94% of its category. And its 6.5% return for one month through October 27 outpaced all the domestic stock funds in the Moneyletter list.
Fidelity Focused Stock can hold up to 80 stocks, but DuFour targets 40 to 60 holdings, and most often about half the maximum (39 issues in the portfolio as of September 30). Given the "focused" portfolio, it's not surprising that the top ten holdings account for 47% of assets.
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Stock selection is driven by research and bottom-up fundamental analysis. DuFour looks for firms that will grow earnings marginally faster than the market and that sell at attractive valuations, i.e. growth at a reasonable price (GARP). He notes that the fund adapts to changing market conditions.
DuFour does not target sector weightings. Technology is the largest sector in the portfolio as of September 30, at 40.1% of assets. That is a significant overweight compared to the S&P 500. Growth in electronic payments is one of three themes in the fund. The others are the internet (especially artificial intelligence or AI) and the rising popularity of ETFs.
Meanwhile, the fund's health care exposure has increased from just over 8% in October 2016 to 15.2% as of September 2017 as DuFour took advantage of attractive opportunities combined with worries that the Affordable Care Act would be repealed.
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